That is horseshit for a very Important reason.

The CEO took action. He accepted payment. This was an active confidence scheme.

Take their money, promise to provide care through claim fulfillment when the mark inevitably gets sick.

When the mark inevitably gets sick, reveal the con, keep the money, let them die when you actively presented yourself as their sickness preparation.

Brian was a murderer. His murder weapon was snake oil, a false agreement.